Senior Credit Risk Portfolio Analyst (m/f) | Hamburg

Descrizione

The scope of the role is to enhance and improve the credit risk appetite framework, policies and strategies using statistical techniques to balance between business growth and impairment costs. Monitor risk management performance of credit products/portfolios.

A day in this job

• Develop an accurate and timely Credit & Portfolio Risk Management framework, focusing on analysis, reporting and control for our global consumer finance activities, within the department;
• Support Data Science, Strategic Analytics, and Risk departments as well as senior management in policy-setting, building analysis and reporting excellence for loan portfolios on the book, ultimately contributing to profitability and growth;
• Work with Business Intelligence and Underwriting department on supporting tactical and strategic Credit Risk Analytics projects;
• Independently manage development and implementation of effective credit-risk monitoring and management strategies that help balancing between risk and reward;
• Develop solutions to ensure the accuracy of credit risk measurement and the capture of necessary data to support future credit model development;
• Own important credit risk analysis and support management decision on related topics, including: Impairment analysis based on statistical models, suggesting feedback to scoring model and feedforward for budgeting; Risk-return monitoring; Scenario analysis; Product Profitability/Pricing; Data Governance;
• Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies;

Desired skills and experience

• At least 3 years experience in Consumer Credit Risk Analysis/Portfolio Credit Risk Management for a consumer lending organization or a rating agency;
• University/postgraduate degree in a Mathematics, Economics, Operations Research, Statistics;
• Capability to clearly develop and communicate analysis and key initiatives;
• A good understanding of Credit life cycle and Collections/Recoveries;
• Hands-on expertise in developing and managing segmentation;
• Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities;
• Fluent in English and ideally also in German. Any other languages would be a plus;
• Experience in using analytical softwares such  as SQL, Excel, SAS/SPSS, R/Python.

What is in it for you?

• Join a dynamic and diverse team of experienced credit risk controller, in one of the fastest growing Fintech organizations;
• Learn modern digital credit risk portfolio management in context of credit risk assessment based on machine learning and fully digitized underwriting process;
• Be part of new digital lending in an agile environment that allows you to explore better credit risk approaches;
• 28 days of paid leave, so long as you promise to come back!;
• Work in an awesome office in the heart of Hamburg with the best views of the city and plenty of things to do nearby.

At Kreditech, we like to constantly challenge the status quo and improve our ways of working. We are a data driven company who are enthusiastic about agile methodology. Diversity is in our DNA and we strongly believe that having different perspectives, experiences and backgrounds will lead to the best environment for our employees and better products to our customers. If this sounds like the kind of company you’d like to work with, please apply here!